Call reports 2011
STEUBEN TRUST COMPANY — 2011
What STEUBEN TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 375,295,000 | 379,736,000 | 383,689,000 | 390,694,000 |
| Total loans | 204,756,000 | 211,404,000 | 215,512,000 | 221,597,000 |
| Allowance for loan losses | 2,450,000 | 2,540,000 | 2,640,000 | 2,815,000 |
| Securities available for sale | 121,329,000 | 133,775,000 | 130,184,000 | 130,378,000 |
| Securities held to maturity | 3,161,000 | 3,315,000 | 3,331,000 | 3,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,933,000 | 310,107,000 | 312,970,000 | 314,441,000 |
| Interest-bearing deposits | 246,337,000 | 239,803,000 | 243,067,000 | 242,071,000 |
| Noninterest-bearing deposits | 68,596,000 | 70,304,000 | 69,903,000 | 72,370,000 |
| Equity capital | 35,972,000 | 37,723,000 | 40,142,000 | 40,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,913,000 | 7,917,000 | 12,017,000 | 16,039,000 |
| Interest expense | 451,000 | 885,000 | 1,309,000 | 1,702,000 |
| Net interest income | 3,462,000 | 7,032,000 | 10,708,000 | 14,337,000 |
| Noninterest income | 987,000 | 2,035,000 | 3,126,000 | 4,270,000 |
| Noninterest expense | 3,169,000 | 6,285,000 | 9,353,000 | 12,382,000 |
| Provision for loan losses | 14,000 | 172,000 | 300,000 | 583,000 |
| Pretax income | 1,349,000 | 2,839,000 | 4,410,000 | 5,976,000 |
| Income tax | 356,000 | 775,000 | 1,247,000 | 1,636,000 |
| Net income | 965,000 | 2,036,000 | 3,135,000 | 4,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,350,000 | 37,077,000 | 37,826,000 | 38,699,000 |
| Total capital | 38,800,000 | 39,617,000 | 40,466,000 | 41,514,000 |
| Risk-weighted assets | 220,854,000 | 225,616,000 | 223,583,000 | 231,641,000 |